Rates & Payments

What is Covered and What is Not

As with other types of medical care, the payment options for mental health therapy can seem complicated. Let’s make it simple.

Individual sessions in the therapist’s office

  • Always available by private pay or through health insurance coverage. (acccording to your plan)

Individual teletherapy

  • Always available by private pay, but only on a limited basis through health insurance coverage.
  • Insurance companies are slowly adding this benefit to their plans.
  • Check with your provider to see if they cover teletherapy sessions.

Couples therapy in the therapist’s office

  • Always available by private pay, and some insurance carriers have family therapy benefits which may be used.
  • Insurance companies do not consider couples/marital therapy “medically necessary.”
  • However, using Flexible Spending Account (FSA) funds to pay privately is allowed.

Paying Privately

Even if you have health insurance coverage, there are definite benefits to paying privately for therapy if it fits into your budget.
Please review these benefits before you decide to make use of your health insurance.

Paying with Health Insurance

  • Bring your insurance card with you.
  • Co-pays are due at the time of service.

Questions to ask your health insurance provider:

  • Do I have mental health benefits?
  • What is my yearly deductible and has it been met?
  • How many sessions per year does my mental health insurance cover?
  • Do I need prior approval from my primary care doctor?
  • Do you reimburse for online teletherapy? (if applicable)
  • Do I have a co-pay and if so, how much is it?